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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $34,993 | $52,279-33.1% | $89,435-60.9% | $79,856-56.2% |
| Participation rate | 47.4% | 57.5%-10.2pp | 68.0%-20.6pp | 69.6%-22.3pp |
| Annual return | 16.91% | 22.16%-5.3pp | 245.55%-228.6pp | 31.71%-14.8pp |
| Employer contribution / active EE | $367 | $1,572-76.7% | $2,587-85.8% | $2,471-85.2% |
| Participant deferral / active EE | $2,118 | $2,740-22.7% | $3,890-45.6% | $3,741-43.4% |
| Admin fee / account holder | $949 | $3,356-71.7% | $4,884-80.6% | $5,306-82.1% |